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I agree with most of what you wrote, but NOT THE LAST PARAGRAPH. It goes the OPPOSITE WAY of what is Written in Titus:
Titus 3:4-8 (HCSB)
[SUP]4 [/SUP]But when the goodness of God and His love for mankind appeared,
[SUP]5 [/SUP]He saved us— not by works of righteousness that we had done, but according to His mercy, through the washing of regeneration and renewal by the Holy Spirit.
[SUP]6 [/SUP]He poured out this ⌊Spirit⌋ on us abundantly through Jesus Christ our Savior,
[SUP]7 [/SUP]so that having been justified by His grace, we may become heirs with the hope of eternal life.
[SUP]8 [/SUP]This saying is trustworthy. I want you to insist on these things, so that those who have believed God might be careful to devote themselves to good works. These are good and profitable for everyone.
MERCY = is not receiving what you truly deserve.
GRACE = is RECEIVING what you Can Never Earn.
You are confusing SALVATION with SANCTIFICATION.
Hear are the differences:
SALVATION = Is what HE DOES FOR US, while we were YET Sinners and an Enemy of GOD, because HE IS MERCIFUL, AND HE LOVES US BY SHOWING US HIS GRACE, THAT HE GAVE US AS A FREE GIFT FROM GOD. AND if you do not believe in Predestination, look at the first verse that Paul wrote about himself pertaining to when GOD's Grace began: (Galatians 1:15-16, Rom. 5:10, Rom. 5:8, Eph. 2:4-9, Galatians 2:21, Galatians 1:6, Galatians 5:4-5, Galatians 2:16, 2 Timothy 1:9, 1 John 4:19, Rom. 5:5, 2 Corinthians 1:12, 1 Cor. 15:10, John 4:10, Romans 6:23)
SANCTIFICATION = The is what We DO TO OUR BODIES, WITH THE HELP OF THE HOLY SPIRIT, AFTER WE ARE SAVED. Out of LOVE for HIM, and our BRETHREN, we will try our best to Walk like Christ, which includes OBEDIENCE. NOTICE THE FIRST VERSE, THE SPIRIT PRODUCES LOVE IN THE BELIEVER, AFTER HE HAS POURED OUT GOD'S LOVE INTO THE HEART, ROM. 5:5, WHICH IS AFTER HE SAVED US: (Galatians 5:22, 1 John 2:5-6, Romans 6:3-5, 1 John 5:3, Titus 3:4, 1 John 3:14-19, 1 Corinthians 9:27 but SALVATION is not the Reward or a Prize which is the Laurel Wreath CROWNS, Romans 6:19, 2 Corinthians 7:1, 1 John 3:2)
YES, SALVATION of the Human Spirit happens in the moment that we first believed, WHEN the Holy Spirit Births our once dead spirit into ETERNAL LIFE.
John 5:24 (ESV)
[SUP]24 [/SUP] Truly, truly, I say to you, whoever hears my word and believes him who sent me has eternal life. He does not come into judgment, but has passed from death to life.
But you must remember, that genuine belief is NOT HEAD KNOWLEDGE, it is HEART KNOWLEDGE.
However, SANCTIFICATION of the Body, begins AFTER YOU ARE SAVED. You will WANT TO BE LIKE CHRIST, but that is a life long process, where you study the Word and Apply it to your life, knowing we will not be PERFECTLY SANCTIFIED until the Resurrection or Calling Out of the Bride, which ever comes first.